UNITED COMMUNITY BANK

PERHAM, MN | Small | Est. Jan. 1, 1911, midnight | FDIC #8544 | RSSD #847157 | FDIC
Latest Report: 2025-12-31

UNITED COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in PERHAM, MN, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $354M and total deposits of $322M. Profitability stands at 1.11% ROA and 13.99% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 8.02%. Asset quality metrics show a non-performing loan ratio of 1.16% and a Texas Ratio of 8.25%. FDIC Certificate #8544.

Assets

$354M

Deposits

$322M

Loans

$212M

Equity

$29M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 13.99%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.62%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 1.16%
Net Charge-Off Ratio 0.09%
Texas Ratio 8.25%
NPA Ratio 0.75%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 8.02%
Tier 1 Capital 8.02%
Total Capital Ratio 8.42%
Leverage Ratio 10.42%
Loan-to-Deposit 65.90%

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